Do VA loans have monthly mortgage insurance?
VA-backed loans do not require monthly PMI. A one-time VA funding fee may apply unless VA confirms an exemption, and it may often be financed.
Virginia VA loan calculator
Estimate a VA payment without hiding the funding fee.
Estimate a Virginia VA loan amount, funding fee, principal and interest, taxes, and insurance while keeping eligibility and exemption assumptions visible.
VA calculator
VA loan estimate
Estimate the funding fee, financed loan amount, and housing payment without PMI.
Your estimate
Estimated total housing payment$3,154 / month
VA funding fee$5,063 · 1.25%
Estimated financed loan$410,063
Principal & interest$2,592 / month
VA loans do not have monthly PMI. Eligibility, entitlement, exemption status, residual-income rules, and the final fee must be verified.
Verify the current VA funding-fee table →Want a human to check the assumptions and show the real loan options?
Review this scenarioDoes zero down mean zero cash at closing?
No. Closing costs, prepaids, escrow deposits, appraisal-related items, and contract terms still matter. Seller credits and lender credits have program limits and tradeoffs.